Credit Risk Manager

Mades mission is to help homeowners save time money and stress. It starts with Made Card - a credit card designed specifically for homeowners with unmatched rewards on mortgage payments home improvements utilities and essential purchases. Each swipe powers a personalized home management platform where users can manage home systems & appliances stay ahead on upkeep and get help - from AI-driven guidance to in-person services - exactly when they need it most. By bringing together financial tools data and trusted professionals we give people more control more savings and more time to enjoy the place they call home.

Were partnered with leading national players in the residential homeownership space - from mortgage lenders to home services providers - embedding Made into the key moments of the homeowner journey. These partnerships let us reach millions of households across the country and deliver meaningful benefits to homeowners.

Backed by top investors like Village Global Jump Capital Recharge Capital and Soma Capital our leadership team brings deep fintech mortgage and credit card experience from Ramp Bain Capital JP Morgan Chase American Express and Morgan Stanley. Were building the financial and engagement platform for the next generation of homeowners - one that puts the homeowner at the center and redefines what it means to feel at home.

The Credit Risk Manager will play a critical role in shaping and leading Made Cards credit risk strategy across the customer lifecycle. Youll drive underwriting pricing segmentation and decisioning for our credit card product while overseeing performance of the credit portfolio.

This role also owns the development and tracking of credit models and will lead Made Cards Decision Science practice.

• Underwriting & New Accounts: Define and optimize credit strategies for new account approvals ensuring robust risk controls while enabling growth. Deploy test and learn mechanisms. Have complete ownership of implementation of said strategies directly in the risk decision engine.

• Credit Policy & Segmentation: Develop refine and monitor credit policies and customer segmentation strategies to enhance risk differentiation.

• Pricing & Limits: Design pricing and credit limit frameworks to maximize risk-adjusted returns. Implement ongoing pricing and limit management strategies (penalty pricing limit increases reductions etc.)

• Model Decisioning: Build own and continuously improve credit risk models decision thresholds and cutoffs.

• Portfolio Performance: Develop and monitor KPIs analyze trends and deliver actionable insights to maintain portfolio quality and profitability.

• Collections Strategy: Develop data-driven customer-focused strategies that reduce delinquencies and charge-offs.

• Risk operations: Conduct manual reviews (underwriting limit increases etc.) document exceptions handle credit bureau disputes set up payment plans.

• 2 years of experience in consumer lending or credit risk with a proven track record in fintech environments.

• Strong experience in at least one dimension of the credit lifecycle: underwriting pricing portfolio management and collections

• Hands-on experience with credit risk models and credit bureau data (traditional and alternative).

• Strong technical acumen: pull data analyze create KPIs create reporting tools (Python SQL knowledge a plus)

• Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders.

We understand that not everyone comes from a traditional background. If you are a rockstar with a non-traditional path wed love to talk to you!

• Experience in fintech credit cards real estate or home services.

• Familiarity with compliance-heavy or regulated marketing environments.

• Passion for credit cards rewards or homeownership-related products.

• Base Compensation Band: $100000$110000 (determined by experience qualifications and location)

• Compensation: Competitive salary with a meaningful stake in the company via equity

• Health & Well-being: Well invest in your physical and mental well-being with comprehensive medical dental & vision benefits

• Grow Together: Company-wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback

• Mortgage Benefit: Receive up to $25000 toward closing costs of a new mortgage via our mortgage partners

• Play Together: Quarterly budgets for team and company outings. Use it for team swag cooking classes or team dinners!

• Generous Time Off: Flexible paid time off sick days and 11 company holidays

Throughout the interview process please remember that emails will only be from emails. We wont ever be asking for any personally identifiable information during the interview process itself. Please reach out to if you have any requests to verify the authenticity of an outreach.

Made Card is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race color sex religion sexual orientation national origin disability genetic information pregnancy or any other protected characteristic as outlined by federal state or local laws. Made Card makes hiring decisions based solely on qualifications merit and business needs at the time.

Required Experience:

Manager